If someone is on Chexsystem, can they be added to their spouse's bank account?

the negative balance was paid off, but i believe they remained on the chexsystem records. they recently got married and were wondering if they could be added to their wives account.If someone is on Chexsystem, can they be added to their spouse's bank account?
ASK YOUR BANK. Checksystems NEVER decides what you can or can't do at ANY bank. They just report what is in their files and the BANK decides what to do about it.If someone is on Chexsystem, can they be added to their spouse's bank account?
I work for wells fargo abd your spouse can be added to your acct if he is on chexsystems. I usually recommend that if you know this ahead of time, for him to open his own acct since their is usually a service fee w our oppurtunity checking and savings.

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Probably not as an owner, but maybe as a signer ... it depends upon the bank. If the negative balance was, in fact, paid off, then your friend should take the initiative to have his name removed from Chex Systems. The bank that gave him this information (that he has a Chex Systems record) should have an 800 number for Chex Systems ... he could also visit the bank (with receipt in hand) that reported him to request that his information be updated. If he doesn't do so, his name will stay on it for a good while ... ten years, I believe. It could also affect his credit rating.





I would also advise that the wife be wary of adding his name to her bank account. If he should overdraft her account, even as a signer only, it will affect her records. If I were the wife, I'd think twice about this. People who have had problems with checking accounts usually continue to have problems with managing new checking accounts ... that's why Chex Systems was created. If he's needing a bank account for payroll purposes, maybe a savings account would be better for him ... employers can deposit payroll funds in savings accounts just as they do checking accounts.
It really depends on the bank. There are some banks that will allow a secondary to be added to an account even if they are on chexsystems since the primary account holder is responsible regardless. But generally they will not, they will run you the same as they would if you were opening the account yourself and deny you to be added. for more info on chexsystems related issues and a FREE list of banks and credit unions go to


http://www.chexvictims.net